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Share Certificate

Earn up to 5.12% APY* Guaranteed!

Unlock the potential of your savings with Raiz Share Certificates.

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Express Start
Share Certificates

$25 minimum 5.12 % APY*

Regular
Share Certificates

$1,000 minimum 4.18 % APY*

Jumbo
Share Certificates

$100,000 minimum 3.87 % APY*

Estimate Your Potential Earnings

Final Balance

Contributions:     |    Earnings: 
Deposit Amount
$
Rate
%
Monthly Contribution
$
Term (months)

Why Choose Raiz?

Our financial experts are some of the best, but really our motivation is you. Here is what we are doing to today to reach a brighter tomorrow.

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Where Your Money Grows

You put in the effort – your money should too. With high-dividend checking, competitive loan rates, and strong savings and retirement options, our innovative products are designed to help you get more out of every dollar.

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24/7 Access and Support

Your money never sleeps, and neither do we. Raiz members have 24/7 access to digital banking and an online support chat available to help with all your banking needs.

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Free Online Courses

We don’t just want to help you manage your money, we want you to thrive! Raiz provides free, award-winning online courses that cover an array of topics for every stage of your life. Start your financial journey today.

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Community Dedication

Rising up our community is what drives us forward. We dedicate our time, funds, and resources to organizations and initiatives that are committed to making a difference.

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Get Started with Ease

Open a savings certificate in three easy steps.

  • 1

    Open an Account

    It takes only minutes to open an account online.

  • 2

    Make Initial Deposit

    Open Your Savings Certificate with as Little as a $25 Initial Deposit.

  • 3

    Earn Dividends

    Watch your savings grow with dividends compounded monthly.

Open an account

Hear from Our Members

Have been with the credit union for 30 years. Still satisfied with their service. Outstanding, everyone is so helpful. I would recommend them to anyone that needs a Credit Union.
Jose H. Google Review
I never dread going to Raiz Credit Union to take care of business; the lobby is so welcoming, even offering drinks and snacks, and the wait period is always minimal. Their service is excellent; every issue I have ever had has been resolved quite quickly and in my favor. I have been a client for over thirty years and I have always been a satisfied customer.
Robert A. Google Review
Was very pleased with the professional service we received.
Juanita Rivera

Frequently Asked Questions

  • Depending on the certificate term, the minimum amount is $25.00 or $5,000.

  • Depending on your selection, it may transfer to your share savings or checking account. You can also select to re-invest at the current term offered at maturity.

  • The penalty will be all the interest accrued up until closing date.

  • Yes, it’s a great way to take advantage of the lowest rates we have to offer with flexible terms that’ll fit your budget.

Ready to Experience Unparalleled Financial Growth?

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Higher Yields

Maximize your investment potential with our premium rates

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Guaranteed Returns

Secure your future with guaranteed returns

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Flexible Terms

Choose terms that work best for your financial goals

Share Certificate

Put Your Savings to Work for You

Don't leave your money sitting in a low- or no-dividend savings account. Earn higher dividends with a Raiz savings certificate and reach your financial goals faster.

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Have a question?

We’re happy to help you every step of the way!

Chat with us

Start live chat

Chat live with a team member who can quickly help answer your question.

Call us

1-877-378-3281

Give us a call directly; we’re here to help you every step of the way.

Meet with us

Schedule an appointment

Schedule a virtual or phone appointment convenient for you, and let us help you get to the next financial level.

Disclosures

1

* APY = Annual Percentage Yield.

Rates apply to new deposits only. Must meet membership eligibility. Existing funds in accounts may not qualify. Rates are in effect as of October 8, 2025, and are subject to change at any time. Fees may reduce earnings.

² Share certificate dividends are paid and compounded monthly. We may impose a penalty if you withdraw any of the principal before the maturity date. The early withdrawal penalty amount is based on the terms of your account. Rates are subject to change at any time without notice.

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